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Cross-chain
financial protocol
Unlock financial potential with fixed-term liquidity: generate yield, borrow assets, and develop apps.
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Cross-chain Lending
APY protocol offers fixed-term lending on over 20 chains
User
Can lend and borrow assets using their preferred blockchains
Cross-chain interoperability
Cross-chain user account
Deposited
SOL
23.41
TRON
1,255.01
Borrowed
MATIC
400.05
NEAR
998.38
Powered by TON chain
Orderbook to match requests
Efficiently matching lend & borrow
orders for assets and time periods
Based on
Ton
Coming soon
Solana
Coming soon
Aptos
Flexible loan
term management
Follow the market terms or take control into your own hands.
Market-based
Lend or borrow funds based on market rates to achieve investment goals faster:
The protocol will accurately calculate the current market’s prevailing rate
At this rate, your borrow or lend request will be executed instantly
Fully-controlled
Set out the exact lend or borrow terms and put money to work in a certain way:
Indicate the exact rate and maturity period for your lend or borrow
OrderBook will match you with an appropriate counterparty
Enhanced convenience for retail investors
Withdrawal before maturity
Liquidity providers can repurchase lent funds before maturity. You'll receive the funds back but earn no interest
Automated lend/borrow system
Configure your lending and borrowing requests to auto-reroll after maturity
Cross-collateral loan
Cover debts with various assets in your portfolio, including those that are lent out
Borrow one
type of asset
Pay back with
other assets
Risk management
A robust risk management system that ensures the return of funds to lenders
Initial
Loan-to-Value
Determines the loan's risk level based on the current value of assets in the portfolio
Reset
Loan-to-Value
Displays the collateral assets' value that must be acquired in the event of a portfolio liquidation
Critical
Loan-to-Value
Displays the Loan-to-Value ratio at which a portfolio will be liquidated
Liquidation
discount
Assets from liquidated portfolios are sold at a discounted rate, depending on the position amount
Margin trading
Unlock higher leverage and open short/long positions
Choose an asset to borrow from the list of available APY assets
OR
Borrow the available stablecoin and purchase the target asset through the integrated DEX
Open margin positions with cross-collateral leverage
APY nodes maintain the protocol
Nodes are central to the protocol’s system.
They ensure its efficient operation via:
Keeping the OrderBook up-to-date
Updating asset order prices from oracles feed
Fulfilling reroll calls for automated orders
To maintain the protocol, nodes are required to stake APY tokens
For sustaining the protocol’s operations, nodes receive rewards in APY tokens
APY Token
DAO
Add/Remove assets to the protocol
Change risk parameters of assets
Bounty programs
Liquidity incentives program
Protocol fees changes
Utility
Reduce fees for trading on DEX
Reduce fees for lend/borrow assets
Staking